get
https://api.unity.smallcase.com/backend//v1/user
Use this API to fetch the existing Unity user. It will retrieve the journey status of every associated loan to help you stay updated with all the journey flows.
Understanding theloans[]arrayEach entry reflects a loan's current lifecycle state. For how to read
statusvsloanStatus,isDefault, and the sibling / parent-child relationships across LAMF and LAS, see Loan relationships in the Combined Credit Snapshot.
Example response
{
"data": {
"userId": "697cbd2c375fcff35b3f47a9",
"lender": "bajaj_finserv",
"opaqueId": "partner-ref-12345", // your own identifier, if one was passed when the Unity user was created — "" otherwise
"flags": {
"isPanVerified": true, // user had verified the PAN via some vendor OTP flow (RTAs/MFC)
"isPanLocked": false // the user is in a binding contract (some funds pledged/active loan) with this PAN
},
"loans": [
{
"lid": "67f0aa11ce42e3a9b7c40012",
"status": "ACTIVE",
"productType": "lamf",
"assetType": "MUTUALFUND",
"lender": "bajaj_finserv",
"flowId": "67f0aa11ce42e3a9b7c40010",
"createdAt": "2026-04-28T14:00:00.000Z",
"purpose": "LOAN_APPLICATION",
"isDefault": true,
"loanStatus": "PRE_SUBMITTED"
},
{
"lid": "67f0aa55ce42e3a9b7c40013",
"status": "ACTIVE",
"productType": "lamf",
"assetType": "STOCKS",
"lender": "bajaj_finserv",
"flowId": "67f0aa55ce42e3a9b7c40011",
"createdAt": "2026-04-28T14:05:00.000Z",
"purpose": "LOAN_APPLICATION",
"isDefault": true,
"loanStatus": "PRE_SUBMITTED"
}
],
"nudges": {
"topup": []
}
},
"message": "SUCCESS",
"code": 0
}data.opaqueId returns the identifier you passed when the Unity user was first created — see Passing your own identifier. It's "" for users created without one.